UESP Privacy Policy

Information UESP Collects

As the administrator, UESP collects nonpublic personal information about you from the following sources:

Account Agreements or other forms you submit to UESP (if you enter information in an online application or form, UESP may store the information even if you don’t complete or submit the application or form)

Your transactions with UESP or others

UESP’s website, uesp.org (UESP may collect information automatically from visitors, using cookies and other technologies)

This website uses the Google AdWords remarketing service to advertise on third-party websites (including Google) to previous visitors to uesp.org. With Google AdWords, UESP could:

Advertise to previous visitors who haven’t completed a task on uesp.org (for example, using the new account form).

Advertise on the Google search results page or a site in the Google Display Network.

Third-party vendors, including Google, use cookies to serve ads based on past visits to the UESP website. Note that any data collected would be used in accordance with UESP and Google’s privacy policies.

Personal information collected from any source may include, among other things, your name, address, U.S. Social Security or Taxpayer Identification Number, date of birth, and information about accounts at other institutions.

How UESP Handles Your Information

UESP does not sell information about a current or former account owner/agent or beneficiary to third parties. Nor does UESP disclose any nonpublic personal information about a current or former account owner/agent or beneficiary to anyone, except with express permission, when needed to complete transactions at your request, or as required by law. Here are the details:

UESP restricts access to nonpublic personal information about an account owner/agent to individuals you authorize to have access to such information or to employees who need to know such information to provide services to you.

To complete certain transactions or account changes that you direct, it may be necessary to provide identifying information to companies, individuals, or groups that are not affiliated with UESP. For example, if you ask to transfer money from another financial institution to UESP, UESP may need to provide certain information about you to that company to complete the transaction.

In certain instances, UESP may contract with nonaffiliated companies to perform services for UESP. Where necessary, UESP will disclose information about you to these third parties. In all such cases, UESP provides the third party with only the information necessary to carry out its assigned responsibilities, and only for that purpose. UESP also requires these third parties to treat your private information with the same high degree of confidentiality that UESP does.

Finally, UESP will release information about you if you direct us to do so, if we are compelled by law to do so, or in other legally limited circumstances (e.g., to prevent or report fraud or suspicious activity).

How UESP Protects Privacy Online

UESP’s concern for privacy extends to those who use UESP’s website, uesp.org.

UESP’s website uses some of the most secure forms of online communication available, including data encryption, Secure Sockets Layer (SSL) protocol, usernames and passwords, and site-to-user authentication. These technologies provide a high level of security and privacy when you access your account information or perform online transactions.

When you visit the UESP website, UESP collects certain technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on the website. This information may be used to alert you to software compatibility issues or to resolve technical or service problems; or it may be analyzed to improve UESP’s web design and functionality and UESP’s ability to serve you and your accounts.

Like most websites, UESP’s website uses cookies and similar data files—small text files stored on your computer by your browser. They’re used for many things, such as remembering whether you’ve visited the website before or helping determine how many new website visitors UESP receives each month. The information collected by cookies contains information about your computer settings and the use of your computer but doesn’t include personal information about you (cookies don’t store your name, for example). UESP will not share the information in these data files or give others access to it—except to help UESP better serve you.

Most internet browsers accept cookies automatically, but you can change the settings of your browser to erase cookies or prevent automatic acceptance if you prefer. If you choose not to allow cookies, UESP can’t guarantee that your experience with the website will be as good as if you do allow cookies.

UESP uses Extended Validation Certificates. Certain browsers—including the latest versions of Chrome®, Firefox®, and Internet Explorer®—highlight the address bar in green. This guards against “phishing” attacks by confirming that the web page you are visiting is part of the official UESP website. Extended validation certificate technology makes this possible. UESP passed an independent audit to obtain this certificate from a leading certificate authority company. (Other browsers may recognize extended validation certificates in the future.)

What You Can Do

An account owner/agent should keep their account information confidential to help protect themselves and their accounts. Don’t give account information to third parties except through authorized interested party access or limited power of attorney authority granted by you for your selected UESP account(s). UESP is not responsible for the consequences if you give account information to third parties.

Anyone who suspects unauthorized account activity should contact UESP or any other appropriate authorities immediately.

Important Legal Notice

You should read the Program Description and consider all investment objectives, risks, charges, and expenses before investing. The Program Description is available for download on the web or a hard copy can be mailed to you by requesting it online here.

FDIC Insurance. Except for the underlying investment specified below, investments in UESP are not insured by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance, up to applicable limits, is provided for the FDIC-insured accounts held in trust by UESP at Sallie Mae Bank and U.S. Bank National Association (U.S. Bank) (collectively Banks). Contributions to and earnings on the FDIC-insured accounts are allocated between the Banks according to the following percentages: Sallie Mae Bank (90 percent) and U.S. Bank (10 percent). Money in the FDIC-insured accounts is insured by the FDIC on a pass-through basis to each account owner at each Bank up to the maximum amount set by federal law, which is $250,000. The amount of FDIC insurance provided to an account owner is based on the total of (1) the value of an account owner’s investment in the FDIC-insured account at each Bank plus (2) the value of other accounts held (if any) at each Bank, as determined by the Banks and by FDIC regulations.

No Other Insurance and No Guarantees. Investments in UESP are neither insured nor guaranteed by the State of Utah, UESP, the Utah State Board of Regents, the Utah Higher Education Assistance Authority, other state agencies, federal government agencies (except to the extent noted above regarding FDIC insurance), or any employees or directors of any such entities. Units in UESP have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

Account Value. The value of your UESP account may vary depending on market conditions and the performance of the UESP investment option you select. It could be more or less than the amount you contribute; in short, your investment could lose value. However, subject to the application of the rules and regulations of the Banks and the FDIC to each account owner, money in the FDIC-insured accounts will retain its value, whether in the FDIC-Insured investment option or when allocated to portions of another investment option that have the FDIC-insured accounts included as an underlying investment.

Non-Utah Taxpayers and Residents. You should determine whether the state in which you or your beneficiary pays taxes or lives offers a 529 plan that provides state tax or other benefits not otherwise available to you by investing in UESP. You should consider such state tax treatment and benefits, if any, before investing in UESP.